HOW TO FILE NATIONAL MOTOR INSURANCE CLAIM

What is a National Motor Insurance Claim?

This article explores National car insurance claims and National two-wheeler insurance claims including how to file a claim, what will be documents required, and what could be the possible reasons for rejection of the filed claim. 

Types of Motor Insurance Claims

National Insurance Cashless Claim: You bring your vehicle to a network garage for repairs when you file a cashless claim. National will pay the garage directly in this situation. You only have to pay your deductible.

National Reimbursement Claim: In case of a reimbursement claim for your damaged vehicle, initially, you have to bear the expenses for the repair out of your pocket. After verification of all related documents, the insurer will reimburse the incurred cost. In this type of claim, it is not obligatory to get your vehicle repaired at the insurer’s network garage. Be sure to maintain all the repair bills accurately.

How to File a National Motor Insurance Claim?

Step 1: Intimation

The insurer should be notified right away if the vehicle is stolen, is involved in an accident, or is damaged in any way. To notify the insurer, you can go to the insurer’s nearest branch or visit the insurer’s official website.

Step 2: Submission of Documents

Submit the required documents online and a surveyor will be appointed to analyze the state of damages to the vehicle. A list of documents required to register the claim is provided further in this article.

Step 3: Survey

The insurance company's surveyor will evaluate the damage and repair costs after the claim is filed. Any additional costs incurred, i.e., damages to uninsured parts must be covered by the insured.

Step 4: Claim Settlement

In case of a cashless insurance claim, the company will pay the approved amount directly to the network garage which will repair your vehicle. In case of a reimbursement claim, this approved amount is paid to the policyholder.

Documents Required for Filing National Motor Insurance Claim

1. Accurately filled and signed claim form
2. Vehicle insurance policy document
3. Registration Certificate (RC) of the vehicle
4. Driving License
5. Copy of FIR (First Information Report)
6. Payment Receipts/bills once the repair has been done (in case of reimbursement claims)
7. ‘No Trace Report’ of the insured vehicle from the police (in case of theft of insured vehicle)
8. Theft declaration from RTO (in case of theft of insured vehicle)

Common Reasons for National Motor Insurance Claim Rejection

1. Fraud claim/ claiming wrong coverage amount
2. Falsifying facts
3. Improper functioning of the vehicle parts
4. Lack of details required to process the claim
5. Delayed claim intimation
6. Negligence on part of the driver
7. Driving without a license
8. Intoxication

FAQs - Frequently Asked Questions

Q1. Is a cashless system or a reimbursement system preferable in a National Insurance Company?

In terms of speed and convenience, cashless claims have the upper hand. While reimbursement claims give you the freedom to choose your preferred repair workshop. Both systems have their unique advantages and benefits, so it is up to the policyholder to choose the one that is most suitable for the situation.

Q2. Will I be able to file a National vehicle claim if I don’t go to a National network garage?

Yes, of course. Notify the insurer immediately after the accident, and take your vehicle to the garage of your choice. You can file a reimbursement claim and submit all the repair bills to the insurer.  The insurer will settle the claim amount after verification.

Q3. Which factors affect the insurance claim?

Factors such as zero depreciation, deductibles, incomplete documents, delayed claim intimations, and wrong NCB details affect the insurance claim.

Q4. Which is the simplest way to raise an insurance claim with the National Insurance Company?

Raising a claim online is the simplest and most efficient way to raise a claim. Just fill in your vehicle details, policy details, and damage details and you’re good to go!